Successful adaptation to change Financial figures as of 30th June 2013
|
|
- Ami Banks
- 6 years ago
- Views:
Transcription
1 Successful adaptation to change Financial figures as of 30th June th August Hypoport AG
2 Contents 1. Market environment 2. Performance of business units 3. Overview of key performance indicators 4. Hypoport s shares 5. Outlook
3 Second quarter characterised by short considerable rise of interest rate Interest rate development since 2007 % 6 ECB central rate Garantied rate of insurances DGZF 10-years
4 2 of 3 business units are negatively influenced by current crisis Influence of macro-economic environment on Hypoport s business models 4
5 Diversified business models encounter differentiated environment Development of market environment compared to 2012 Private financing Private Insurance 5 Simple bank products Bausparen Commercial financing
6 Contents 1. Market environment 2. Performance of business units 3. Overview of key performance indicators 4. Hypoport s shares 5. Outlook
7 Three business units one enterprise Business unit Private Clients 7
8 Positive trend in mortgage finance continues Key figures of the business unit Private Clients Transaction volume: loan brokerage (billion ) CAGR 28% ,13 2, Development of new business: loan brokerage (billion ) CAGR 27% Considerable 27% rise of transaction volume loan brokerage. 30% Increase of transaction volume loan brokerage, therefore gain of market shares in a rather faltering market environment despite historically low interest rates and attractive financing conditions Supported by communicating real estate as retirement provision, volume Bausparen rises by 123%. In a highly competitive market, transaction volume personal loan drops by 34%. 8 Source: Bundesbank
9 Private health insurance reduces transaction volume Key figures of the business unit Private Clients Transaction volume: insurance general insurance private health insurance life insurance Insurance policies under management: million, at general insurance CAGR 31% private health insurance life insurance CAGR 30% CAGR 53% CAGR 34% Insurance market has slowed down dramatically, particularly new business of private health insurance. Transaction volume in this segment declines by 52% to 1,4 million. In spite of likewise difficult market conditions for life insurance, the volume rose by 48% to 6.1 million. Strong rise in new business for general insurance by 193% and existing business by 31% to 85.1 million. Because of the small volume of business, dependency on new business in life insurance and health insurance will continue in the midfuture. For the short term, the missing revenue in life insurance and health insurance can t be counterbalanced
10 Weak market environment regarding simple financial service products Key figures of the business unit Private Clients Decline of lead number by 38% to 1.9 million Online sales: Number of leads 1,800, ,600, ,400, ,200, ,000, , , , , Weak business with simple financial service products (e.g. call money), because providers have less demand for account deposits due to ECB cheap money policy. Rising distribution costs because of weak market environment and more intensive competitive environment. Development of personal loans presence online is in cost-intensive pilot phase. 10
11 Leads are generated efficiently and processed by all distribution channels Lead generation and cross-channelling: private clients Online sales Self-explanatory financial products, e. g. current accounts, car insurances Franchise Sales Branch-based sales: Number of advisors Leads Advice-intensive sales products, e. g. mortgages, health insurances Broker Sales H H H ,896 independent financial advisors Advice-intensive sales products, e. g. mortgages, health insurances Lead fee commission
12 Weak health insurance business weighs on business unit s results Key figures of the business unit Private Clients Revenue CAGR 17% Ongoing positive trend in mortgage finance. EBIT Situation remains difficult for insurance industry since pension products suffer from low interest and private health insurance continues to be slow. Only general insurance market stays in firm condition. Low interest level leads to reluctant behaviour of banks regarding deposit business. Results of intensive work on revenue and costs will be visible later in the course of the year. 12
13 Three business units one enterprise Business unit Financial Service Providers 13
14 Billion Transaction volume exceeds 8 billion for the first time in Q2 Transaction volume of EUROPACE 9 8 Mortgage loans Personal loans Bausparen Financial crisis Q Q Q Q Q Q Q Q Q Q Q Q Q Q Q Q Q Q Q Q Q Q Q Q Q Q Q Q Q Q Q Q Q Q Q Q Q Q Q Q Q Q Q Q Q Q2 2013
15 GENOPACE Market place for the cooperative banking group New high-potential partners on board Number of partners 13 of the top 25 cooperative banks are partners of GENOPACE. GENOPACE exceeded two billion accumulated transaction volume last year. High investments and long sales cycle for recruiting new partners and intensification of platform use of existing partners continue. Numerous new cooperations in progress - some partners do not engage immediately CAGR 28% 83 First Bauspar products were introduced on the plattform. Q Q Start: Q II / 2008
16 FINMAS Financial market place for savings banks Pleasant growth dynamic leads to an optimistic outlook Number of partners 12 of the top 25 savings banks are partners of FINMAS. Pleasant growth in transaction volume. FINMAS already passed one billion accumulated transaction volume in the beginning of High investments and long sales cycle for recruiting new partners and intensification of platform use of existing partners continue. First meaningful financial institution acts as fully distribution-oriented savings bank. 36 CAGR 56% 56 Implementation of Bauspar supply for first Landesbausparkasse is almost completed. Several projects for gaining partners in new regional assocations. Q Q Start: Q IV / 2009
17 Long-term investment pays off Key figures of the business unit Financial Service Providers Revenue* CAGR 21% EBIT* Number of partners CAGR 48% CAGR 22% Positive earning development continues. In spite of faltering market environment, transaction volume rose and exceeded eight billion for the first time. Due to low interest rates, clients decide in favour of long fixed interest rates which supports the earnings. Continued growth of low-margin packaging revenue to the benefit of the platform Consistent continuation of platform investments. Progress in connecting new platform partners. 17 * From continued operations
18 Three business units one enterprise Business unit Institutional Clients 18
19 Decent development in less high-volume business Key figures of the business unit Institutional Clients Volume of brokered loans Revenue Renewals New business Business development within normal volatility. Pipeline well-stocked for the upcoming months. Enduring low interest level leads to observant attitude of the customers. New product ideas, e.g. Dr. Klein Energieeffizienzdarlehen (DEED), in commercial housing industry for Dr. Klein. Additional positive impact expected from adjustment of KfW program for energy-related investments to duration time 10/10/10 in June EBIT Consulting for real estate investors and emitters shows good business trend above previous year s level.
20 Contents 1. Market environment 2. Performance of business units 3. Overview of key performance indicators 4. Hypoport s shares 5. Outlook
21 Results below expectations Summary of Hypoport s key figures as of 30st June 2013 Revenue* % 48.7 Equity +5% Number of employees (ø) % EBITDA* % 2.8 EBIT* 2012 H % 0.7 Group profit % 1.38 * From continued operations
22 Contents 1. Market environment 2. Performance of business units 3. Overview of key performance indicators 4. Hypoport s shares 5. Outlook
23 Trading remains at a low level Share price in the first half of 2013 and breakdown of shareholders as of 30st June 2013 Number of shares: Revenia GmbH (Ronald Slabke, CEO) Kretschmar Familienstiftung Deutsche Postbank AG Sparta AG Free float Stephan Gawarecki 3.0% Hans Peter Trampe 2.8% Other board members: 2.8% Other shareholders 28.2% 36.8% 5.8% 9.7% Development of share prices (Daily closing prices Frankfurt Stock Exchance 2013) 12.9% 34.8% Basic data ISIN DE Symbol HYQ Market segment Regulated market Transparency Standard Prime Standard Directors Dealings In the 2nd Quarter the following directors dealings were published: Transaction date Notifiying person/ entity Transaction Designated Sponsor Close Brother Seydler Bank AG Stock Number of Execution exchange shares price Thilo Wiegand purchase XETRA 2, Research in Q Analyst Recomm. Target price Date (DD.MM:YYYY) Montega Buy CBS Research Buy
24 Contents 1. Market environment 2. Performance of business units 3. Overview of key performance indicators 4. Hypoport s shares 5. Outlook
25 Growth and profitability Outlook for 2013 We will continue to pursue our strategy of acquiring additional market shares in all business units. At the same time we increasingly use the positions we gained to improve our profitablity. Main focus for the B2B financial market place is an increased penetration of the market segments and the entry into product and customer segments which round up the market place. In the Private Clients Unit we aim for a distinct expansion in the number of independent advisors in our branch- and broker network, combined with a systematic improvement of our margin structure. The business unit institutional clients will continue its ongoing growth by using its innovation leadership in the sector and an expansion of its product range. 25 For 2013 we expect two-digit sales growth and a return to income levels of record years.
Revenue grows in challenging environment Financial figures as of 31st March 2013
Revenue grows in challenging environment Financial figures as of 31st March 2013 6th May 2013 2013 Hypoport AG Inhalt 1. Market environment 2. Overview of key performance indicators 3. Performance of business
More informationHypoport registers strong growth in sales Financial figures as of 10th March 2014
Hypoport registers strong growth in sales Financial figures as of 10th March 2014 10th March 2014 2014 Hypoport AG Contents 1. Market environment 2. Performance of business units 3. Overview of key performance
More informationHypoport continues successful fiscal year Financial figures as of 30th September 2013
Hypoport continues successful fiscal year Financial figures as of 30th September 2013 2014 Hypoport AG Financial Figures Q2 2014 Content 1. Market environment 2. Performance of business units 3. Overview
More informationSuccessful start into the new year for Hypoport. Financial figures as of 31st March 2014
Successful start into the new year for Hypoport Financial figures as of 31st March 2014 5th May 2014 2014 Hypoport AG Content 1. Market environment 2. Performance of business units 3. Overview of key performance
More informationSound start! Financial figures as of 31st March 2012
Sound start! Financial figures as of 31st March 2012 7th May 2012 2012 Hypoport AG Contents 2 1. Overview of key performance indicators 2. Performance of the business units 3. Hypoport s shares 4. Outlook
More informationStrong start to the year for Hypoport Financial figures for the first quarter of 2015
Strong start to the year for Hypoport Financial figures for the first quarter of 2015 2015 Hypoport AG Content 1. Market environment 2. Performance of business units 3. Overview of key performance indicators
More informationLongterm growth path is carried forward. Financial figures as of 30th September 2010
Longterm growth path is carried forward Financial figures as of 30th September 2010 08th November 2010 2010 Hypoport AG Contents 2 1. Overview of key performance indicators 2. Performance of the business
More informationStrong start to the year. Financial results for the first quarter of 2016
Strong start to the year Financial results for the first quarter of 2016 Mission: financial services supported by technology Investment highlights of Q1 2016 Earnings: up by 42 per cent to 5.4 million
More informationPresentation for investors. Interim Report as of 30 September 2007
Presentation for investors Interim Report as of 30 September 2007 Frankfurt, 30 November 2007 2007 Hypoport AG Interim Report Q3 2007 PAGE 2 Contents 1. Key figures at a glance 2. Business model and selected
More informationTop-line and bottom-line growth. Financial results for the first nine months of 2016
Top-line and bottom-line growth Financial results for the first nine months of 2016 Mission: financial services supported by technology Investment highlights in the first nine months of 2016 Earnings:
More informationOn track! Results for Q1 Q3 2017
On track! Results for Q1 Q3 2017 Technology-based financial services Investment highlights in Q1 Q3 2017 and forecast for 2017 Key figures for Q1 Q3 2017 (yoy) Revenue: 143.7 million (+27%) EBIT: 18.6
More informationPrice Target: EUR (-)
Recommendation: BUY (Initiating Coverage) Risk: HIGH (-) Price Target: EUR 15.00 (-) Scalability, innovation, growth, high potential Getting ready to rumble! 17 November 2010 Share price (dark) vs. CDAX
More informationInterim report. of Hypoport AG for the period ended 30 June 2008
Interim report of Hypoport AG Berlin, 14 August 2008 Key performance indicators Financial performance ( 000) 1 Jan 30 Jun 2008 1 Jan 30 Jun 2007 Change Revenue 25,118 19,022 32 % Gross revenue for the
More informationInterim report of Hypoport AG for the period ended at 31 March 2018
Interim report of Hypoport AG for the period ended at 31 March 2018 Berlin, 3 May 2018 Key performance indicators Key performance indicators Revenue and earnings ( '000) Q1 2017 Q1 2018 Change Revenue
More informationThe successful challenger ING Investor Day Roland Boekhout CEO ING-DiBa, Head of ING Germany. Amsterdam - 31 March 2014
The successful challenger ING Investor Day Roland Boekhout CEO, Head of ING Germany Amsterdam - 31 March 2014 www.ing.com ING Germany is uniquely positioned to build on its success Key messages We have
More informationInterim report of Hypoport AG first half-year 2017
Interim report of Hypoport AG first half-year 2017 Berlin, 7 Aug 2017 Key performance indicators Key performance indicators Revenue and earnings ( 000) H1 2016 H1 2017 Change Revenue 73,688 95,262 29%
More informationFINANCIAL REPORT 30 NOVEMBER ST HALF OF FISCAL YEAR 2017/2018
FINANCIAL REPORT 30 NOVEMBER 2017 1ST HALF OF FISCAL YEAR 2017/2018 CONTENTS 03 KEY PERFORMANCE INDICATORS 04 HIGHLIGHTS 05 HELLA ON THE CAPITAL MARKET 07 INTERIM GROUP MANAGEMENT REPORT 07 Economic development
More informationFINANCIAL REPORT NOVEMBER 30, ST HALF OF FISCAL YEAR 2018/2019
FINANCIAL REPORT NOVEMBER 30, 2018 1ST HALF OF FISCAL YEAR 2018/2019 H1 CONTENTS 03 KEY PERFORMANCE INDICATORS 04 HIGHLIGHTS 05 HELLA ON THE CAPITAL MARKET 07 INTERIM GROUP MANAGEMENT REPORT 07 Economic
More informationEQUINET INVESTIGATOR
Hypoport 2 January 211 Financials Bloomberg: HYQ GR Market Cap: EUR 72m Free Float: 35% Current Share Price: EUR 11.8 Buy / Target EUR 17 Profile Hypoport is an internet-based financial services provider
More informationInterim report January 1 to March 31, 2012
Interim report January 1 to March 31, 2012 The first three months of 2012 at a glance Highlights Dynamic start into the year 2012 Sales growth of 11.8 % to EUR 18.9 million Earnings margins at the 2011
More informationHypoport AG annual report for 2017
Hypoport AG annual report for 217 Berlin, 26 March 218 Key performance indicators Hypoport AG annual report for 217 Key performance indicators Financial performance ( ') 1.1. 31.12.216 1.1. 31.12.217 Revenue
More informationPrice Target: EUR (17.00)
Recommendation: BUY (BUY) Risk: HIGH (HIGH) Price Target: EUR 17.00 (17.00) 20 March 2012 Margins drag behind better than expected top-line Schwäbisch Hall AG introduced as new partner of GENOPACE Hypoport
More informationFast and sustainable, profitable growth. Company profile (February 2019)
Fast and sustainable, profitable growth. Company profile (February 219) Equity Story Highly profitable player with strong growth prospects on attractive real estate markets Sustainable, profitable business
More informationQuarterly statement Significant improvement in all key figures Major steps on the way to break-even
Quarterly statement 01.01. 30.09.2016 Significant improvement in all key figures Major steps on the way to break-even 2 REGISTERED CUSTOMERS BILLINGS REVENUES EBIT in thousand (accumulated) in EUR thousand
More information/ ideas ahead / We want to make an authentic and credible impression. Only then will investors commit themselves on a long-term basis.
/ ideas ahead / We want to make an authentic and credible impression. Only then will investors commit themselves on a long-term basis. New communications systems create additional scope. This will give
More informationShaping digital transformation. Unicredit & Kepler Cheuvreux GCC, Frankfurt
Shaping digital transformation Unicredit & Kepler Cheuvreux GCC, Frankfurt Business model January 2018 Unicredit & Kepler Cheuvreux GCC 2 TAKKT is a portfolio of B2B direct marketing specialists January
More informationDeutsche Bank. Interim Report as of September 30, 2012
Deutsche Bank Interim Report as of September 30, 202 Deutsche Bank Interim Report as of September 30, 202 Deutsche Bank The Group at a glance Nine months ended Sep 30, 202 Sep 30, 20 Share price at period
More informationGigaset increases EBITDA and confirms outlook
Gigaset increases EBITDA and confirms outlook Consolidated revenue from continuing in the second quarter: 96.8 million (Q2/2012: 93.4 million). EBITDA from continuing in the second quarter: 6.4 million
More informationW&W Group Financials and Business Outlook
W&W Group Financials and Business Outlook Berenberg and Goldman Sachs Seventh German Corporate Conference 2018 Munich, 24 26 September 2018 Wüstenrot & Württembergische AG Agenda 1 W&W at a glance 2 W&W
More informationGoldman Sachs Presentation to Bernstein Strategic Decisions Conference David M. Solomon President and Chief Operating Officer
May 3, 208 Goldman Sachs Presentation to Bernstein Strategic Decisions Conference David M. Solomon President and Chief Operating Officer Cautionary Note on Forward-Looking Statements Today s presentation
More informationUXC Limited ACN
UXC Limited ACN 067 682 928 2015 Annual General Meeting Geoff Cosgriff, Chairman Cris Nicolli, Managing Director 29 October 2015 Welcome and introductions 2 Chairman s Address Mr. Geoff Cosgriff Recap
More informationQuarterly Statement 1 st quarter 2018
Quarterly Statement 1 st quarter 2018 Selected figures (unaudited) Sales and result 01/01-03/31/2018 01/01-03/31/2017 Change Sales (KEUR) 2,782 3,095-10% EBITDA (KEUR) -1,588-1,665 +5% EBIT (KEUR) -1,998-2,151
More informationReady to Spring. Investor Presentation. Monday 5th April, 2010
Ready to Spring Investor Presentation Monday 5th April, 2010 Disclaimer The information contained in this document has been provided on the basis of current knowledge, assumptions and expectations. In
More informationInvestor Presentation
Investor Presentation Urs Leinhäuser, Chief Financial Officer & Deputy CEO, January 2014 Agenda Who is Autoneum? / Positioning Highlights of HY1 2013 Industry and strategic priorities Mid term financial
More informationFast and sustainable, profitable growth. Company profile (April 2019)
Fast and sustainable, profitable growth. Company profile (April 219) FCR Immobilien AG business model FCR with a clear orientation and great potential for increase in value Clear profile FCR Immobilien
More information01 - Deutsche Bank Group
01 - Deutsche Bank Group Corporate Profile and Overview 23 Stability in difficult times Corporate Governance 27 The foundation for long-term success In the Interests of our Partners 29 Entrepreneurs for
More informationQuarterly Report Q1 Financial Year 2015 / Innovating vision. Powering growth.
Quarterly Report Q1 Financial Year 2015 / 2016 Innovating vision. Powering growth. 150 ISRA VISION Quarterly Report Q1 Financial Year 2015 / 2016 2 ISRA VISION AG: First Quarter of 2015/2016 Revenues grown
More informationBerenberg continues expansion
PRESS RELEASE February 12, 2013 Berenberg continues expansion Karsten Wehmeier Head of Corporate Communications Tel. +49 40 350 60-481 Email: Karsten.Wehmeier @Berenberg.de Record net commission income:
More informationInvesco Unit Trusts Closed-end strategies
Invesco Unit Trusts Closed-end strategies Celebrating 40 years in unit trusts About risk There is no assurance that a unit investment trust will achieve its investment objective. An investment in a unit
More informationAUSTRIAN POST H1 2018:
AUSTRIAN POST H1 2018: PARCEL GROWTH COMPENSATED FOR DECLINE IN THE MAIL BUSINESS Revenue - Slight revenue increase in the first half of 2018 of 0.2% to EUR 955.2m - Parcel growth (+12.1%) compensated
More informationDeutsche Bank dbaccess European TMT Conference September 9th 2016
Deutsche Bank dbaccess European TMT Conference September 9th 2016 HALF YEAR RESULTS 2016 1 Certain statements in this document are forward looking statements. These forward looking statements speak only
More informationCONTACTS; Group Communications Michaela Hessling Head Tel
Aurubis AG continues to perform well in fiscal year 2009/10 and generated a very good pre-tax profit in the amount of 167 million and an pre-tax operating result of 77 million in the first half-year» EBT
More informationBusiness performance in the first six months of Arno Walter, CEO Dietmar von Blücher, CFO
Business performance in the first six months of 2016 Arno Walter, CEO Dietmar von Blücher, CFO 26 July 2016 Numerous innovations of new strategy in the first half of 2016 2 First choice for saving, investing
More informationAHLERS AG, HERFORD Interim Report Q3 2013/14
AHLERS AG, HERFORD Interim Report Q3 2013/14 2 INTERIM REPORT Q3 2013/14 AHLERS AG INTERIM REPORT Q3 2013/14 (December 1, 2013 to August 31, 2014) BUSINESS PERFORMANCE IN THE FIRST NINE MONTHS OF FISCAL
More informationInvestor Presentation
Deutsche Börse Group 1 Investor Presentation Frankfurt, June 2018 Deutsche Börse Group 2 Deutsche Börse equity story Leading European capital markets infrastructure provider with global growth ambitions
More informationCECONOMY to implement strategy more focused and faster 2019 will be a year of transition
CECONOMY to implement strategy more focused and faster 2019 will be a year of transition // Currency and portfolio adjusted sales in 2017/18 rose slightly by 0.2 per cent to 21.4 billion (as reported:
More informationMITTELSTANDSM NITOR 2003
MITTELSTANDSM NITOR 2003 SUMMARY Annual report on cyclical and structural issues relating to small and medium-sized enterprises. MittelstandsMonitor 2003 MittelstandsMonitor 2003 Annual report on cyclical
More informationThinking ahead. Shaping the future. 37 To our Shareholders 38 Letter from the Management Board 42 The Aareal Bank Share
To our Shareholders To our Shareholders Thinking ahead. Shaping the future. 37 To our Shareholders 38 Letter from the Management Board 42 The Aareal Bank Share 47 113 249 38 To our Shareholders Letter
More informationPrivate equity an attractive asset class
26 shares Shares Private equity an attractive asset class Private equity is a highly attractive investment option that, compared with other equity investments, especially stock investments, frequently
More informationFrankfurt am Main July 27, Deutsche Bank reports second quarter 2016 pre-tax profit of 408 million euros and net income of 20 million euros
Release Frankfurt am Main July 27, 2016 Deutsche Bank reports second quarter 2016 pre-tax profit of 408 million euros and net income of 20 million euros Key developments 20% lower revenues year-on-year
More informationEarnings Release 2Q15
Earnings Release 2Q15 Earnings Release 2Q15 2 Key metrics Credit Suisse (CHF million, except where indicated) Net income/(loss) attributable to shareholders 1,051 1,054 (700) 0 2,105 159 of which from
More information> Erste Bank Hungary The integration of Postabank Erste Bank Hungary 05 and beyond
> Erste Bank Hungary The integration of Postabank Erste Bank Hungary 05 and beyond > 2 nd Capital Markets Day > Budapest > Peter Kisbenedek CEO of Erste Bank Hungary > Hungary: Macroeconomic Overview GDP
More informationDEUTSCHE BANK REPORTS SECOND QUARTER 2009 NET INCOME OF EUR 1.1 BILLION. Risk-weighted assets reduced by EUR 21 billion, or 7%, to EUR 295 billion
Release DEUTSCHE BANK REPORTS SECOND QUARTER 2009 NET INCOME OF EUR 1.1 BILLION Net revenues of EUR 7.9 billion Income before income taxes of EUR 1.3 billion Tier 1 capital ratio of 11.0% Risk-weighted
More informationUnitedHealth Group Fourth Quarter and Year End 2014 Results Teleconference Prepared Remarks January 21, Moderator:
UnitedHealth Group Fourth Quarter and Year End 2014 Results Teleconference Prepared Remarks January 21, 2015 Moderator: Good morning, I will be your conference facilitator today. Welcome to the UnitedHealth
More informationRESULTS JAN SEP 2008 ANALYST CONFERENCE CALL
RESULTS JAN SEP 2008 ANALYST CONFERENCE CALL 14 NOVEMBER 2008 Hamburger Hafen und Logistik AG DISCLAIMER The facts and information contained herein are as up to date as is reasonably possible and are subject
More informationSCHMOLZ + BICKENBACH with good progress in a challenging 2016 more optimistic for 2017
Media release SCHMOLZ + BICKENBACH with good progress in a challenging 2016 more optimistic for 2017 Efficiency improvement and cost reduction measures taking effect Adjusted EBITDA margin improved to
More informationTHE NEW FREEDOM IN BUSINESS COMMUNI CATIONS.
THE NEW FREEDOM IN BUSINESS COMMUNI CATIONS. Interim report Q3 2018 KEY FIGURES Business customers 20,000 + Development of seats 305,000 + Revenue 9 months 2018 EUR 31.2 M Share of recurring revenue 81
More informationBetter loans through savings - Findings and conclusions on savings linked credit products. Dr. Friedemann Roy Johannesburg, 8 September 2006
Better loans through savings - Findings and conclusions on savings linked credit products Dr. Friedemann Roy Johannesburg, 8 September 2006 What is the goal of this presentation? To prove that there is
More informationChairman s report presented at the annual general meeting of Danish Ship Finance A/S 2016
31 March 2016 Chairman s report presented at the annual general meeting of Danish Ship Finance A/S 2016 I will be presenting the Board of Directors' views on Danish Ship Finance's current situation and
More informationAnnual Press Conference 2010 Peter Löscher President and CEO, Siemens AG Munich, Germany, November 11, 2010
Annual Press Conference 2010 Peter Löscher President and CEO, Munich,, November 11, 2010 Check against delivery. Siemens growth gains momentum We have just completed a very successful fiscal year. We are
More informationGlobal Bond Outlook. Full circle, but which direction? December 2011 IN BRIEF
INSIGHTS Global Bond Outlook Full circle, but which direction? December 211 PLEASE VISIT jpmorgan.com/institutional for access to all of our Insights publications. IN BRIEF Low levels of economic growth
More informationInvestment case. Inbursa. Deal. Next steps
1 Investment case Inbursa Deal Strategic alliance to develop retail banking in Mexico and build a platform for expansion in America, through a 20% stake acquisition in GFI : GFI will bring its franchise
More informationHeidelberg on track to meet medium-term targets aiming for growth in 2018/2019
Heidelberger Druckmaschinen AG Postfach 10 29 40 69019 Heidelberg Deutschland Kurfürsten-Anlage 52 60 69115 Heidelberg June 12, 2018 Heidelberg on track to meet medium-term targets aiming for growth in
More informationcomdirect bank German Corporate Conference Deutsche Bank Frankfurt, 1 June 2005 Dr. Andre Carls, CEO
comdirect bank German Corporate Conference Deutsche Bank Frankfurt, 1 June 2005 Dr. Andre Carls, CEO Agenda 1 Overview and 2004 results New record result 2 Strategy and programme Growth and value added
More informationSwiss Alpine Summit Gstaad January 20, Renato Fassbind Chief Financial Officer Credit Suisse Group
Swiss Alpine Summit Gstaad January 20, 2005 Renato Fassbind Chief Financial Officer Credit Suisse Group DISCLAIMER Cautionary Statement regarding forward-looking information This presentation contains
More informationMcCormick & Company, Inc.
McCormick & Company, Inc. Fourth Quarter 2008 Financial Results and Business Outlook The following slides accompany a January 28, 2009 presentation to investment analysts 1 Forward-looking information
More informationUS Mortgage Services. Execution on track for scale and anticipated returns. Nick Oldfield CEO, US Mortgage Services. 27 April 2017
US Mortgage Services Execution on track for scale and anticipated returns Nick Oldfield CEO, US Mortgage Services 27 April 2017 Executive summary Execution on track for scale and anticipated returns Compelling
More informationDr. Stefan Schwenkedel Chief Financial Officer Tel.: (49)
PrimaCom AG An der Ochsenwiese 3 55124 Mainz PRESSRELEASE CONTACTS: Dr. Stefan Schwenkedel Chief Financial Officer Tel.: (49) 6131-944-541 Alexander Hoffmann Director, Investor Relations Tel.: 49 6131
More informationQuarterly Report Q3 Financial Year 2016 / Touching the Future of Vision Automation
Quarterly Report Q3 Financial Year 2016 / 2017 Touching the Future of Vision Automation 150 ISRA VISION Quarterly Report Q3 Financial Year 2016 / 2017 2 rd ISRA VISION AG: 3 quarter 2016 / 2017 revenues
More informationINDUS business model We are passionate about SMEs
2 INDUS business model We are passionate about SMEs * As of 1 October 2017, the Group has 45 instead of 46 investments. This is the result of the integration of the FICHTHORN investment in the SELZER Group.
More informationBroadridge Financial Solutions, Inc. Investor Presentation
Broadridge Financial Solutions, Inc. Investor Presentation May 2015 Forward-Looking Statements The Broadridge s May 2015 Investor Presentation and other written or oral statements made from time to time
More informationCan today s operational challenges create tomorrow s opportunities?
Can today s operational challenges create tomorrow s opportunities? A review of South Africa s banking sector financials 2017 13 March 2018 Analysis of South Africa s six largest banks, based on 12 month
More informationTRANSFORMATION VALUE SUCCESS
Increased maneuverability More efficient IT organization Optimal Business Support Managing Change In IT TRANSFORMATION VALUE SUCCESS Henry Göttler COO SNP Schneider-Neureither & Partner AG Eigenkapitalforum
More informationChief Executive Officer s speech
April 28, 2015, Basel, Switzerland Annual General Meeting Syngenta AG Chief Executive Officer s speech Mike Mack, CEO Good morning ladies and gentlemen. Against last year s backdrop of political upheaval,
More informationINVESTOR PRESENTATION MAY 2018
INVESTOR PRESENTATION MAY 2018 Forward-Looking Statements Forward-Looking Statements This presentation and other written or oral statements made from time to time by representatives of Broadridge Financial
More informationCIBC World Markets 2 nd Annual Mid & Small Cap Best Ideas Conference November 2006
CIBC World Markets 2 nd Annual Mid & Small Cap Best Ideas Conference November 2006 Introduction Note: This presentation is North America - focused and therefore excludes the recent acquisition of Wiron
More informationcomdirect bank Presentation to analysts Frankfurt am Main, March 13th, 2003
comdirect bank Presentation to analysts Frankfurt am Main, March 13th, 2003 Dr. Achim Kassow (CEO) Dr. Andre Carls (CFO) 2 Agenda 2 2002: Successful turnaround Management statement Key figures 2003: New
More informationCompany Presentation German Equity Forum 2018
TART, T S YOUR REDIT. Company Presentation German Equity Forum 2018 Agenda 1 Overview 2 Financial figures 9M 2018 3 Outlook 2 verview Our business model: shaping SME financing SME borrowers Institutional
More informationNestle Good Food, Good Life. Nestle 2009 Annual Report
Nestle Good Food, Good Life Nestle 2009 Annual Report Our Mission Your Company has the privilege of being deeply integrated into households around the globe, with many consumers buying our products on
More information1H 2011 Results and Outlook
VZ Holding Ltd Beethovenstrasse 24 CH-8002 Zurich Telephone: +41 44 207 27 27 Fax: +41 44 207 27 28 vermoegenszentrum.ch vzfinanzportal.ch VZ Group 1H 2011 Results and Outlook Zurich, 18 August 2011 Disclaimer
More information>Analysts conference. Dr. Andre Carls, CEO Karin Katerbau, CFO. Frankfurt/Main, 13 February 2008
>Analysts conference Dr. Andre Carls, CEO Karin Katerbau, CFO Frankfurt/Main, 13 February 2008 All figures are unaudited. The full annual report will be published on 14 March 2008. > New record result,
More informationPress Release FOR IMMEDIATE RELEASE
Press Release FOR IMMEDIATE RELEASE The financial information reported herein is based on the condensed interim consolidated (unaudited) information for the three-month period ended,, and on the audited
More informationBank Austria: EUR 1.1 billion profit despite financial crisis
Bank Austria Release Günther Stromenger +43 (0) 50505 87230 Vienna, 18 March 2009 Results for the 2008 financial year: Bank Austria: EUR 1.1 billion profit despite financial crisis Operating profit reached
More informationRisk, Return & Growth: Getting the Balance Right
Richard Harvey, Group Chief Executive 4 October 2006 Risk, Return & Growth: Getting the Balance Right Disclaimer This presentation may contain forward-looking statements with respect to certain of Aviva
More informationInterim Report on March, 31
Interim Report on March, 31 3M 2010 Summary of Consolidated Results 31.3.2010 (not audited) 31.3.2009 (not audited) Sales (teur) 5,752 4,590 Operating performance (teur) 5,947 4,475 Total operating revenues
More informationBlucora to Acquire HD Vest, Announces Strategic Transformation
Blucora to Acquire HD Vest, Announces Strategic Transformation October 14, 2015 Forward-Looking Statements This presentation contains forward-looking statements within the meaning of Section 27A of the
More information-30% 31/12/ /01/ /02/ /03/ /04/ /05/ /06/ /07/ /08/ /09/ /10/ /11/2016
Stock Market Ticker ISIN code Bloomberg code Nasdaq code Reuters code First Market of Euronext Brussels PROX BE0003810273 PROX BB PROX-BT PROX BR Since March 2004, Proximus shares have been listed on Euronext
More informationPALFINGER AG. Presentation on the first quarter of May 2013
PALFINGER AG Presentation on the first quarter of 2013 May 2013 MARKET VOLATILITY REVENUE (HALF YEAR) AREA UNITS EUROPEAN UNITS 500 450 400 350 300 250 200 150 100 50 0-50 2005 2006 2007 2008 2009 2010
More informationINVESTOR PRESENTATION. Credit Suisse 18 th Annual Financial Services Conference February 2017
INVESTOR PRESENTATION Credit Suisse 18 th Annual Financial Services Conference February 2017 DISCLAIMERS Non-GAAP Information In addition to disclosing results determined in accordance with U.S. GAAP,
More informationMarco Pescarmona Chairman & Head of Broking Division. UBS Italian Financial Services Conference 29 January 2009
Marco Pescarmona Chairman & Head of Broking Division UBS Italian Financial Services Conference 29 January 29 Gruppo MutuiOnline aims to be the most innovative financial services company capturing the opportunities
More informationFinancial Highlights Q May 3, 2018
Financial Highlights Q1 2018 May 3, 2018 1 COPYRIGHT RUBICON PROJECT 2018 SAFE HARBOR FORWARD-LOOKING STATEMENTS This presentation and management's prepared remarks during the conference call referred
More informationLadenburg Thalmann Sends Annual Letter to Shareholders
August 28, 2012 Ladenburg Thalmann Sends Annual Letter to Shareholders MIAMI--(BUSINESS WIRE)--Ladenburg Thalmann Financial Services Inc. (NYSE MKT: LTS) ( Ladenburg or the "Company ) today announced that
More informationQUARTERLY GROUP REPORT of CENTROTEC Hochleistungskunststoffe AG, Marsberg as per June 30, 2002 Report by the Management Board
QUARTERLY GROUP REPORT as per June 30, 2002 Report by the Management Board Highlights 1 st Half Year 2002 Increase in Group sales by + 25 % Increase of earnings per share * by + 13% Above-proportionate
More informationM.A.X. AUTOMATION AG QUARTERLY STATEMENT I.2016
M.A.X. AUTOMATION AG QUARTERLY STATEMENT I.2016 Key share data Q1 2016 LETTER FROM THE MANAGEMENT BOARD Ticker / ISIN MXH / DE0006580905 Dear shareholders, Registered capital Closing price (March 31, 2016)*
More informationServiceMaster. Credit Suisse 5 th Annual Industrials Investor Conference. November 30, 2017
ServiceMaster Credit Suisse 5 th Annual Industrials Investor Conference November 30, 2017 Cautionary Statements Safe Harbor Statement This presentation contains forward-looking statements, including 2017
More informationConsolidated Statement of Comprehensive Income Consolidated Statement of Cash Flows Consolidated Statement of Shareholders Equity...
Group Management Report For The Three Months Ended March 31, 2009 Contents Group Management Report... 3 Overall Economy and Industry... 3 Revenue Development... 3 Earnings Development... 4 Research and
More informationDr. Stefan Schwenkedel Chief Financial Officer Tel.: (49)
PRESS RELEASE CONTACTS: Dr. Stefan Schwenkedel Chief Financial Officer Tel.: (49) 6131-944-541 Alexander Hoffmann Director, Investor Relations Tel.: 49 6131 / 944-520 Fax: 49 6131 / 944-509 investor@primacom.de
More informationRSA CANADA INVESTOR & ANALYST BRIEFING 12 JUNE 2013
RSA CANADA INVESTOR & ANALYST BRIEFING 12 JUNE 2013 This presentation may contain forward-looking statements with respect to certain of the Group s plans and its current goals and expectations relating
More informationBuilding a retail powerhouse in Europe s biggest economy
Building a retail powerhouse in Europe s biggest economy Member of the Management Board Head of Private & Business Clients Cheuvreux 10 th German Corporate Conference Frankfurt, 17 January financial transparency.
More informationSchaeffler on the capital markets
Schaeffler on the capital markets Capital market trends In 2015, the global capital markets were characterized by debate over the change in the Fed s low-interest policy, the bond purchasing program of
More information